Posted in the EPF DIVIDEND, EPF thread

These advices are what I will be listening & following if I hv 100k to allocate into FI portion of my diversified investment portfolio

This post has been edited by MUM: Nov 2 2025, 04:58 PM


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now got article stating World Bank's report been misunderstood. best you take a read the link shared by romuluz777

I am more curious to know if there is some hidden agenda by some group.... cos news about delaying withdrawal and raising of retirement age been popping up recently.

Like I advocate many times....

Diversified portfolio if you're not hit 55yo or 60yo....

Make sure you can access the $$$ within 12 hours period or less if there's emergency (not all but part of it)... Balance can be in few days later....

for sure retirement age will be changed to 65... and epf withdrawals changed to align with it...

these changes are inevitable as ppl live longer and longer...

so dun worry about retirement n withdrawal... go worry about earning more money...

Which means partial withdrawal @ 50 gone & 55yo too??

Straight to 60 & 65 respectively......

I hope if indeed being implemented.... It's applicable to new members only... Existing one is not forced into this....

This post has been edited by nexona88: Nov 3 2025, 11:03 AM

Exactly: that’s the real fix. Just raise wages enough and poof, half these debates disappear.
disallow all withdrawals until official retirement age will make almost the other half of the debates vanish also.

Let’s keep talking about leaving our money in EPF till 70... maybe even longer, who knows?
World Bank says it’s “sustainable,” so I guess we just cross our fingers and hope to still be around to enjoy it.

Otherwise, hey, at least the next generation or our "grand send-off" will be well funded!

Raise wages and cost of living will automatically increase also. It's not how much wages increase it's how much more you earn than the average man. Uneasy truth but that's the reality. No poor people means no rich people.

this type of organizations cares about everyone earning the same... they want low gini coefficient...
no need to add cost of living into the mix... your cost of living vs mine different, which is not their concern...
but both of us same same wage is good....

hehe..

1 term government for PMX if it happen.

Will vote for opposition.

i got quoted

I am, so i stopped self contri already.

Interesting... May I know then, where do you put your excess cash to each month?

Can still do self contribution BUT the amounts is reduced.... Don't try to maximize the 100k limit....

Since gonna have 5bil ASM1 expected in Q1 2026... Can divert the $$$ there... 100% access guaranteed.... Not locked up till 55yo 😜

gov should lock ASMs too.... for the good of the people.... lol

Nope…. Not at all.


Infact, Topping up 100k come Jan 2026.

This post has been edited by gamenoob: Nov 4 2025, 01:31 PM

you dont know the difference between retirement fund and savings

retirement fund locked so that you wont finished it too early
and come begging for food when old no money

savings like your FD, gold vault, ASM
take out anytime you like
take all out anytime

How can gomen lock it?
on what justification?

A retirement fund is your own savings. money you contribute and invest for your future.
A social pension is government support to ensure basic income for the elderly, usually funded by taxpayers, not one's personal savings.

what's savings? no need to describe too much. retirement fund is your own savings.

Actually, I don't mind seeing withdrawal age changed to 75 even. Being locked longer is better... the people needs baby sitting.
EPF is such a small portion of my portfolio nowadays. lol


This post has been edited by Wedchar2912: Nov 4 2025, 02:10 PM

yet you are the one making most complaints
or trying to scare others be careful their EPF money..

my epf is hardly 15% naturally i wont complain

simply just based on hearsay
speculations
suggestion etc....what for ? wasting time right?

not that the Gomen will listen to you.

15% is too high... then again, you do you...

cheers...

U got offspring is different story bruh, touch wood anything u can pass down your fund.

Those single retirees want to YOLO earlier